I'll pick one incorrect claim out of many: Public ledger systems have no privacy at all, by design. You can hope nobody knows which wallet is yours, but that's not serious privacy. Today that's not even really hide-it-from-your-kid-brother privacy.
What are the other errors in my critique of banks?
Will you explain how Monero is worse than banks?
>crypto in general is a big improvment on banks
I responded to your claim. If you feel you can defend your claim, go ahead. If your only response is to change the subject, ok. That's your call.